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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN REALTY ADVISORS6 years Filed as: FIRST AMERICAN BANK Service code 21 303 W. MAIN ST. · ARTESIA, NM 88210 | Bank Trustee | $15,962 |
RETIREMENT DIRECT3 years Service code 15 · EIN 91-2076699 | Recordkeeping | $7,483 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,192 | $51,166-68.4% | $70,544-77.0% | $71,511-77.4% |
| Participation rate | 68.8% | 59.4%+9.4pp | 68.4%+0.4pp | 67.9%+0.9pp |
| Annual return | 12.94% | 42.71%-29.8pp | 32.79%-19.9pp | 28.86%-15.9pp |
| Employer contribution / active EE | $0 | $1,793-100.0% | $2,976-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $4,153 | $3,031+37.0% | $4,568-9.1% | $4,291-3.2% |
| Admin fee / account holder | $125 | $2,000-93.7% | $6,427-98.0% | $1,588-92.1% |